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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,984 | $88,996-53.9% | $78,004-47.5% | $138,895-70.5% |
| Participation rate | 58.3% | 74.4%-16.0pp | 69.4%-11.1pp | 79.9%-21.6pp |
| Annual return | 8.06% | 28.03%-20.0pp | 31.07%-23.0pp | 145.39%-137.3pp |
| Employer contribution / active EE | $2,085 | $2,917-28.5% | $2,469-15.5% | $4,194-50.3% |
| Participant deferral / active EE | $5,769 | $4,724+22.1% | $4,092+41.0% | $6,396-9.8% |
| Admin fee / account holder | $2,662 | $8,807-69.8% | $7,578-64.9% | $12,562-78.8% |